5.Telephone
电话

Many people are getting rid of their landlines entirely. However, if you work out of your home, this may not be a feasible option. But if you have a separate fax line, you might consider discontinuing it. With a scanner, you can email documents as PDFs instead of faxing.
很多人已经完全淘汰了座机电话。但是，这对失业在家的你来说可是个行不通的选择。但是如果你有独立的传真电话的话，你可以考虑淘汰座机。而有扫描仪的话，你又可以不用发传真，而是将文件扫描成PDF档电邮给客户。

Like cable and Internet providers, landline phone service packages keep getting cheaper as more competition comes on the market. Consider VOIP or cable phone services. If you do stay with your traditional telephone company, be sure you are getting the cheapest long distance service and not paying for services you don't need.
正如电视和网络商家那样，因为市场上激烈的竞争，很多电话商家所提供的产品也是越来越便宜。考虑下使用网络电话或者电缆电话吧。如果你一定要坚持使用传统的电话的话，确保你得到的长途电话收费是最优惠的，另外，不要为不需要的服务付费。

6.Internet Provider
互联网供应商

Shopping around for a better package of telephone services might also save you on your Internet access if you use DSL. But there are many other options for Internet services including cable, satellite and a whole host of wireless Internet options.
使用DSL在网上四处逛逛，找一找更便宜的电话服务也可以帮你节省开支。但是你也可以使用其他的网络服务，如电视，卫星等一整套的网络服务。

The Internet is a telecommuter's lifeline, so do your research first. Be sure if you change service providers the new one will offer the services and reliability your business needs.
网络是远程通讯工具，所以先要在网上做好搜索工作。确保如果你更换供应商的话，新的供应商会在满足你业务需求的前提下更可靠的提供给最优惠的服务。

7.Refinance Your Home
将你的房屋重新抵押筹备资金

Refinancing your home can cut your monthly budget expenses the most significantly, sometimes saving you hundreds of dollars per month.
将房屋重新抵押筹备资金能够为你节省开支成本做出很大的贡献，每月能为你节省上百美元。

But refinancing involves many upfront costs (interest points, taxes, fees, etc.), so it may take several months (or even years) for you to actually realize these savings. And if you're not planning to stay in the house for long, you could actually lose money on refinancing. Carefully consider the pros and cons of refinancing your home before taking this cost-cutting step.
将房屋重新抵押筹备资金包括了很多成本（如利率点，税收，手续费等），所以你可能要花几个月甚至上年的时间才能从中看到节省的成本。当然了，如果你不打算在这所房子待很久的话，你这样做就可能损失不少钱。在做成本的再抵押之前一定要慎重考虑好这样做的利弊。

8.Credit Card Rewards Points
信用卡积分

If you have a credit card with rewards points, use them. But use them wisely. Keep in mind that credit card companies offer points to induce you spend more. So don't pay more (by racking up interest or fees) in order to get rewards points. To accumulate points faster, concentrate your spending on the one card that offers the reward you will use (for me that's the one with Home Depot gift cards) rather than spreading your spending among several cards.
如果你的信用卡上有积分的话，使用它们。但是要精明的使用这些积分。你要知道信用卡公司之所以提供积分是为了促进你的消费。所以不要为了积分而去消费。为了更快的累积积分，最好的方法是使用一张提供积分的信用卡，而不用很多张信用卡消费。

Saving rewards points for your dream vacation or another splurge runs the risk of the points expiring or never being used. Using points on a regular basis helps you cut your monthly expenses. Consider using rewards systems that pay cash or offer gift cards that you will actually use.
累积积分的好处是也许能够实现你梦想的假期或者其他值得炫耀的奖项，但是风险就是可能商家会终止积分，或你一直没机会使用这些积分。定期使用积分可以帮你节约每月开支。选择反馈现金或礼品卡的消费更有效。

9.Utility Bills
水电费

Like phone and cable industries, your utility company likely has more competition than it once did. Often you can change gas or electric suppliers for a better price on your energy needs, while still remaining a customer of the same utility company for billing and delivery purposes. However, these other suppliers don't always have a better price so be sure to do some comparison shopping.
正如电话、电视行业那样，你们家的水电费公司如今也面临着前所未有的竞争。在满足需求的前提下，你可以经常性地更换能给你带来更多实惠的煤气或电气供应商，但是你可能为了结算和支付方便一直使用同一家水电公司。但是，这些供应商不可能一直都提供给你最优惠的价格，所以要经常货比三家。

But the old-fashioned way to save on utility costs is simply to conserve electricity or waste less water.
而最传统的节约水电费开支的方法就是尽量节约用水用电。

10.Credit Card Interest Expense
信用卡利息

Monthly interest can be a huge expense for those with a large debt. Making only a minimum payment means the monthly interest eats up most of your payment. Reducing interest can mean more money for other expenses or paying off debt faster.
每月如果你有大量负债的话肯定会产生巨大的利息。保底消费就意味着你每月的大部分消费都是用来支付利息的。你可以通过其他消费或早一点还请贷款来降低利息。

One way to lower your interest is to simply ask for a lower interest rate. Companies will often oblige to keep your business. If they don't, consider a balance transfer to another card with a better rate. Read the fine print, though, balance transfers sometimes offer rates that go up after a period of time and usually involve fees.
减少利息最简单的方法就是向信用卡公司要求更低的偿还利息。这些公司为了保住客户，会答应你的要求。如果他们不同意的话，就将信用卡的帐目转到另一张利息更好的信用卡上。但是，要看清楚文件，因为结余转户有时候在一定时期后利率会更高，并且都会产生手续费。